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AI brief of an SEC Form 8-K · Tompkins Financial (TMP)

Tompkins Financial Q3 diluted EPS rises 26.9% to $1.65; net income $23.7 million

Positive Impact 3 of 5 earnings Written later

Tompkins Financial reported third-quarter 2025 diluted earnings per share of $1.65, up from $1.30 a year earlier, and net income of $23.7 million, up 27.0% year over year. The company also declared a quarterly dividend of $0.65 per share, payable November 14, 2025 to shareholders of record on November 7, 2025. The filing reports higher earnings and net interest margin, while special mention and substandard loans rose sharply from the prior quarter.

Key points

  • Diluted EPS of $1.65 for Q3 2025, up 10.0% from Q2 2025 and up 26.9% from $1.30 in Q3 2024
  • Net interest margin of 3.20%, up 12 basis points from Q2 2025 and up 41 basis points from Q3 2024
  • Special mention and substandard loans totaled $144.2 million at September 30, 2025, up from $96.8 million at June 30, 2025, mainly due to two loans totaling $41.2 million downgraded to special mention
  • Dividend of $0.65 per share, payable November 14, 2025, to shareholders of record on November 7, 2025

The filing

CompanyTompkins Financial (TMP)
Form8-K, current report
Filed with the SECOct 24, 2025, 9:11 AM ET
Accession number0001005817-25-000038

Items reported: 2.02 Results of Operations8.01 Other Events

Read the filing on SEC.gov ↗

Written by AI on Nov 8, 2026, 6:57 AM ET, from this filing only. Written later: this filing was briefed after the fact, when past filings were added to the site, so the brief may be read with hindsight; the filing itself is the record of what was known on October 24, 2025.

Briefs are written by AI from the filing text and can contain mistakes — open the filing before acting on anything. Impact (1-5) and tone are the AI's reading of the filing for shareholders, not a price forecast. Not investment advice.